UNIVERSAL LIFE INSURANCE:

Help participants protect their financial futures. Our universal life coverage combines life insurance protection with an ability to grow cash value.  In short, it is like combining a term life insurance policy with a tax-deferred interest accumulating savings account. Universal life insurance can also help participants replace income for dependents, pay final expenses, create an inheritance for beneficiaries or make significant charitable contributions.

Features Include:

• Guaranteed Acceptance up to $50,000
• Individual or family coverage available
• Permanant life insurance protection
• Includes a cash value component tha tgrows in value, earning a competitive interest rate.
• Portable – participants have the additional security of knowing that their coverage can continue if they retire or terminate employment.
• “Living Benefit” coverage of an Accelerated Death Benefit for Terminal Illness Rider
• Waiver of Premium due to Layoff Rider